That they are expensive and climbing doesn't negate my point if the cost of the subscription over how long you plan to keep it is equally or more expensive than the GPUs. You can put together dual 5060 Ti or 5070 Ti systems to run local LLMs too. You don't need to splurge on a 5090. That's a bad option at this point.
I've messed around with Qwen3.6-27B but I'm not sure if it could yet even replace Luna for me.